Rates

1. Rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Annual Percentage Yield (APY). Fees may reduce earnings. Review our Truth In Saving Disclosure for details.

1. Variable Annual Percentage Yield (APY) accurate as of the date listed above and subject to be cancelled, extended, or changed without notice. First Harvest Credit Union reserves the right to withdraw or revise the offer at any time. Offer valid for funds not currently on deposit with First Harvest Credit Union. You may qualify by depositing an additional $5,000 or more in new money. Contact us for details. Fees may reduce earnings. Review our Truth In Saving Disclosure at FirstHarvestCU.com/Disclosures for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance. 

1. Rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. The Annual Percentage Yield (APY) shown is paid on balances of $100 or more. Minimum opening deposit is $5. Fees may reduce earnings. Review our Truth In Saving Disclosure for details.

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1. Rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Annual Percentage Yield (APY). Minimum opening deposit is $1,000. Fees may reduce earnings. Review our Truth In Saving Disclosure for details.

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1. Rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Annual Percentage Yield (APY). Fees may reduce earnings.

2. APY shown is paid on balances of $100 or more. Review our Truth In Saving Disclosure for details.

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1. Rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Annual Percentage Yield (APY). Fees may reduce earnings. Review our Truth In Saving Disclosure for details.

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1. Variable Annual Percentage Yield (APY) accurate as of the date listed above and subject to be cancelled, extended, or changed without notice. First Harvest Credit Union reserves the right to withdraw or revise the offer at any time. Offer valid for funds not currently on deposit with First Harvest Credit Union. You may qualify by depositing an additional $5,000 or more in new money. Contact us for details. Fees may reduce earnings. Review our Truth In Saving Disclosure at FirstHarvestCU.com/Disclosures for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance. 

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1. Variable rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Annual Percentage Yield (APY). Progressive Money Market requires a minimum opening deposit and daily balance of $1,500. Fees may reduce earnings. Review our Truth In Saving Disclosure for details.

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1. Rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Annual Percentage Yield (APY). Minimum opening deposit is $1,000. Fees may reduce earnings. Review our Certificate Truth In Saving Disclosure for details.

2. Annual Percentage Yield (APY) accurate as of the date listed above and subject to be cancelled, extended, or changed without notice. First Harvest Credit Union reserves the right to withdraw or revise the offer at any time. APY listed paid on $1,000 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Review our Truth-In-Savings Disclosure at FirstHarvestCU.com/Disclosures for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance. 

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1. Rates effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Annual Percentage Yield (APY). Minimum opening deposit is $1,000. Fees may reduce earnings. Review our Certificate Truth In Saving Disclosure for details.

2. Annual Percentage Yield (APY) accurate as of the date listed above and subject to be cancelled, extended, or changed without notice. First Harvest Credit Union reserves the right to withdraw or revise the offer at any time. APY listed paid on $1,000 minimum balance. Must be opened online at FirstHarvestCU.com or other First Harvest digital channels. This offer is not available at First Harvest branch locations. New money only. Offer valid for funds not currently on deposit with First Harvest Credit Union. Certificates will automatically renew at maturity according to the renewal terms stated on our Truth-In-Savings Disclosure. Fees may reduce earnings. Review our Truth-In-Savings Disclosure at FirstHarvestCU.com/Disclosures for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance.  

3. Annual Percentage Yield (APY) accurate as of the date listed above and subject to be cancelled, extended, or changed without notice. First Harvest Credit Union reserves the right to withdraw or revise the offer at any time. APY listed paid on $1,000 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Review our Truth-In-Savings Disclosure at FirstHarvestCU.com/Disclosures for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance. 

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1. Annual Percentage Rates (APR) accurate as of the date listed above and subject to be cancelled, extended, or changed without notice. Rates reflect a .25% rate reduction for members who choose Automatic Payments from a First Harvest Checking Account. APR will increase by .25% without Automatic Payment from a First Harvest Checking Account. Automatic Payments and a First Harvest Checking Account are not required to receive a loan from First Harvest Credit Union. Maximum loan amount is $100,000. New Auto Loan rates available for 2023-2025 automobile model year with LESS than 20k miles. Rate and loan amount for this product are determined by an evaluation of applicant credit, as well as other factors including loan term, collateral mileage and model year, and Loan-To-Value (LTV). Your actual rate may vary from the stated information. Not all applicants will qualify for the lowest rate. Sample Monthly Payment: $13.67 for every $1,000 borrowed at 6.99% APR for 96 months with $50,000 loan minimum. Payment example is based on the lowest rate for the longest term available for illustrative purposes only and does not include Debt Protection or available optional vehicle protection plans. Your payment may be higher. Other rates and terms available. Membership restrictions apply. Contact us at 800.582.7640 for details. Equal Opportunity Lender.

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2. Annual Percentage Rates (APR) accurate as of the date listed above and are subject to be cancelled, extended, or changed without notice. Rates reflect a .25% rate reduction for members who choose Automatic Payments from a First Harvest Checking Account. APR will increase by .25% without Automatic Payment from a First Harvest Checking Account. Automatic Payments and a First Harvest Checking Account are not required to receive a loan from First Harvest Credit Union. Maximum loan amount is $100,000. Used Auto rates available for automobile model years 2025 and older with MORE than 20k miles. Maximum age for purchases is (10) model years (currently 2016) and maximum for refinance is (7) model years (currently 2019). Rate and loan amount for Used Auto Loans are determined by an evaluation of applicant credit, as well as other factors including loan term, collateral mileage and model year, and Loan-To-Value (LTV). Your actual rate may vary from the stated information. Not all applicants will qualify for the lowest rate. Sample Monthly Payment: $15.01 for every $1,000 borrowed at 6.74% APR for 84 months with $25,000 loan minimum. Payment example is based on the lowest rate for the longest term available for illustrative purposes only and does not include Debt Protection or available optional vehicle protection plans. Your payment may be higher. Other rates and terms available. Membership restrictions apply. Contact us at 800.582.7640 for details. Equal Opportunity Lender.

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1. Annual Percentage Rates (APR) accurate as of the date listed above and are subject to be cancelled, extended, or changed without notice. Rates reflect a .25% rate reduction for members who choose Automatic Payments from a First Harvest Checking Account. APR will increase by .25% without Automatic Payment from a First Harvest Checking Account. Automatic Payments and a First Harvest Checking Account are not required to receive a loan from First Harvest Credit Union. Stated rates are for a Fixed-Rate Home Equity loan with a maximum 90% Loan-To-Value (LTV) in 1st lien position. APR and loan amount are determined by an evaluation of applicant credit, collateral valuations, length of term, and other considerations. Your actual rate may vary from the stated information. Not all applicants will qualify for the lowest rate. $200,000 maximum 1st lien loan amount with a maximum 90% LTV. $150,000 maximum 2nd lien loan amount with a maximum 90% LTV. Loan must be secured by a member’s primary residence or non-rental secondary residence located within the State of New Jersey or Pennsylvania. Homeowners Insurance and Flood Insurance, if applicable, are required. Title insurance is required for loans over $100,000. Sample Monthly Payment: $9.41 for every $1,000 borrowed at 7.74% APR at 180 months (90% LTV). Payment example is based on longest term available for illustrative purposes only and does not include Debt Protection or other available optional protection plans. Your payment may be higher. If the Home Equity Loan is paid and closed in the first 3 years, the borrower will be responsible for reimbursing First Harvest Credit Union for all third-party costs paid at closing. Offer is subject to cancellation or change without notice. Other rates and terms available. Membership restrictions apply. Contact us at 800.582.7640 for details. Equal Housing Lender.

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2. Annual Percentage Rates (APR) effective as of the date listed above and are subject to be cancelled, extended, or changed without notice. Home Equity Lines of Credit (HELOC) are variable-rate lines. Rates based on the current highest Prime Rate as published in the Money Rates Section of the Wall Street Journal. Lowest APR for 80% LTV HELOCs is Prime Rate - 50 basis points.  Lowest APR for 81-90% LTV 1st lien position is Prime Rate + 50 basis points.  Lowest APR for 81-90% LTV 2st lien position is Prime Rate + 100 basis points. The floor APR is 3.50%; maximum APR is 18%. APRs are determined by an evaluation of applicant credit, collateral valuations and other considerations. Your rate may vary from the rates shown. Homeowners Insurance and Flood Insurance, if applicable, is required. Title insurance is required for loans over $100,000. 5 Year Draw Period ($100 Minimum Advance); 15 Year Repayment Period. If the HELOC is paid and closed in the first 3 years, the borrower will be responsible for reimbursing the credit union for all third-party costs paid at closing.

• Minimum Rate Payment Example: If you took a single $10,000 credit advance at 3.50% APR and made only the monthly payment, it would take you 20 years to pay off your HELOC. During that period, you would make 239 payments of $58.01 and 1 payment of $57.32.
• Maximum Rate Payment Example: If you took a single $10,000 credit advance at 18.00% APR and made only the monthly payment, it would take you 20 years to pay off your HELOC. During that period, you would make 239 payments of $154.43 and 1 payment of $147.79.

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1. Annual Percentage Rate (APR) accurate as of the date listed above and is subject to be cancelled, extended, or changed without notice. Rates reflect a .25% rate reduction for members who choose Automatic Payments from a First Harvest Checking Account. APR will increase by .25% without Automatic Payment from a First Harvest Checking Account. Automatic Payments and a First Harvest Checking Account are not required to receive a loan from First Harvest Credit Union. APR is determined by an evaluation of applicant credit and is based on the loan term selected. Minimum loan amount is $1,000 with $20,000 maximum. Your actual rate may vary from the stated information. Not all applicants will qualify for the lowest rate. Sample Monthly Payment: $22.35 for every $1,000 borrowed at 11.99% APR for 60 months with $10,000 loan minimum. Payment example is based on longest term available for illustrative purposes only and does not include Debt Protection. Your payment may be higher. Other rates and terms available. Membership restrictions apply. Contact us at 800.582.7640 for details. Equal Opportunity Lender.

1. All rates are subject to change.

2. Annual Percentage Rate (APR). Application must be received between 11/1/2024 and 12/31/2024. Offer subject to change at any time and without notice. Sample monthly payment not including Debt Protection: $107.00 for every $1,000 borrowed at 12.99% for 10 months. Your payment may be higher. Account must be in good standing with First Harvest Credit Union. Must meet minimum credit requirements to qualify. Proof of income may be required. Any previous Holiday Loan outstanding balances must be satisfied at time of closing. Other terms and conditions apply. Contact First Harvest for details. Membership restrictions apply. Equal Opportunity Lender. 

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